How To Become An Insurance Agent In North Carolina
Getting your insurance license is the first step to becoming an insurance agent in North Carolina. Life insurance, car insurance, home insurance, or business insurance all require a license to sell in any state.
Follow our step-by-step guide to get your insurance license in North Carolina.
How To Get Your Insurance License In North Carolina
Step 1. Which Types of Insurance Licenses Do You Need?
Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get.
These are examples of the types of insurance policies you can sell with each type of license:
- Property & Casualty Insurance License – Car Insurance, Home Insurance, Business Insurance, etc…
- Life & Health Insurance License – Life Insurance, Annuities, Health Insurance, etc…
Most insurance agents choose to get both of these licenses, but if you will only sell one type of policy then you just need to choose which license fits your needs.
Step 2. Insurance Pre-License Education
After you’ve determined which licenses you need, you must now take your North Carolina insurance pre-license education courses.
Most folks choose to take their insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. The types of licenses you choose (also known as “lines of authority”) will determine which courses you take.
Each line of authority in North Carolina requires twenty (20) hours of pre-license education. This means that if you wish to get a Property and Casualty license, you must take forty (40) hours of pre-licensing, and for Life, Accident, and Health you must also take forty (40) hours.
You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.
In North Carolina, you have ninety (90) days to pass the insurance license exam after completing your pre-license education. If it’s more than ninety (90) days, you will need to retake the pre-license course.
Step 3. License Application
Once you have completed your pre-licensing education, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines.
The fee for an online application is $50 per line, plus a $44 application fee, the $38 fingerprint fee, and a $6 NIPR fee for a total cost of $138.
Fill out your online application on the NIPR North Carolina page.
Step 4. Fingerprinting And Background Check
North Carolina requires that all insurance license applicants provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. For more information on this topic, call the North Carolina Department of Insurance at (919) 807-6800 or email the License Department.
The fee for fingerprinting is $38 (you should have already paid this fee when you submitted your application).
Schedule your fingerprinting appointment with any of the approved vendors in this North Carolina Fingerprint Provider PDF. Please read the instructions on this PDF, as some of the providers may not provide the fingerprint information directly to the Department of Insurance, and you will have to do this manually).
Step 5. North Carolina Insurance License Exams
The next step after submitting your application and having your fingerprints taken is to pass the insurance exam. You will take one exam for each line of insurance you wish to carry.
You should receive an email from Pearson Vue after submitting your application with a “reservation number” to take the exams.
You have ninety (90) days from the time you completed your pre-licensing course to the time you pass the exam. If you do not pass the exam in this time period, you will need to retake the pre-licensing education for that line. There is also a five (5) test maximum until you would need to retake the education.
This is a proctored test, which means that you will be in a controlled environment with a person watching you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.
The fee for each attempt of the exams is $45. When you show up you must have a photo ID and any other documentation that Pearson Vue requires you to have. Each exam contains 55 multiple-choice questions. Here is the North Carolina Insurance Exam Content Outline provided by Pearson Vue.
To explain the scoring of this exam, we will quote the Pearson Vue North Carolina Insurance Licensing Examination Candidate Guide,
The passing score of an examination was set by the North Carolina Department of Insurance (in conjunction with Pearson VUE) after a comprehensive study was completed for each examination. Raw scores are converted into scaled scores that can range from 0 to 100. To avoid misuse of score information, numeric scores are only reported to failing candidates. The scaled score that is reported to you is neither the number of questions you answered correctly nor the percentage of questions you answered correctly. With a passing score of 70, any score below 70 indicates how close the candidate came to passing, rather than the actual number or percentage of questions the candidates answered correctly.Pearson Vue
Check out our Insurance Exam Guide. It’s extremely in-depth, and will hopefully help you pass the first time.
Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.
Note: StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.
You may register to take your exams and find more information on the Pearson Vue North Carolina Exams website.
Step 6. Application Review
Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.
If everything is to acceptable standards your license should be issued within three to five (3-5) business days. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.
You will receive an email from Pearson Vue regarding your license acceptance. This email will also have a link to print your license.
You’ve done the work, put in the time and effort, and now hold the key to your own success! We’re proud of you. Take five (5) minutes and celebrate.
North Carolina Department Of Insurance Contact Information
North Carolina Department of Insurance
1204 Mail Service Center
Raleigh, North Carolina 27699-1204
Phone: (919) 807-6800
Fax: (919) 715-3794
Email: [email protected]
Information on this page has been gathered by a multitude of sources and was most recently updated in January 2020.Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. For more information, please contact your state's authority on insurance. Disclosure: StateRequirement has an affiliation with Kaplan Education company, and may receive compensation based on user activity on this site. We truly believe that Kaplan offers excellent products and services, and compliments the mission of StateRequirement.